EXPERT GLOBAL SOLUTIONS, INC

2015-09-10

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-08

Palmerton, PA

Communication tactics

Debt collection: Credit card

Frequent or repeated calls
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-27

MO

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

Debt was paid
Complaint: XXXX balance of {$85.00} is showing open in a credit report review. I have a certified letter receipt ( just found after MUCH searching ) from USPS showing I mailed ck XXXX XXXX/XXXX/13 to NCO Financial Systems Inc ( Collection agency ). Apparently they did n't get the information/funds to XXXX. How do I dispute this now? ( account XXXX )
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-24

Brentwood, TN

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: According to our credit bureau report the loan with SST is showng as default and collections. This account has never been late and when I spoke with SST they stated that was incorrect and that they would correct with the bureau. This account is in excellent standings
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-22

LA

Shopping for a loan or lease

Consumer Loan: Installment loan

Complaint: eGS Credit did a hard inquiry on my credit reports without my permission or knowledge which affects my credit. I want the inquiries removed asap. I did not apply for a loan and not of your boxes applies.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-22

LA

Application, originator, mortgage broker

Mortgage: Other mortgage

Complaint: NCO Group performed a hard inquiries to my XXXX credit agencies without my knowledge or permission. This impacts my credit. I want it removed. NCO Group XXXX, La XXXX XXXX.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-18

Goodlettsville, TN

Problems when you are unable to pay

Consumer Loan: Installment loan

Complaint: This is about a collection company for XXXX. I was in the hospital in XXXX for over XXXX years. The phone number XXXX called me on the hour every hour. When I was released from the hospital they called me last me last night. I asked what company this was. I explained I had been in the hospital over XXXX times in the last XXXX days and when I got settled, I would review the situation. I got another call from them XXXX minutes later and then again in an hour.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-14

Fountainville, PA

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-07

Bronx, NY

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

Debt is not mine
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-08-07

Allen, TX

Taking/threatening an illegal action

Debt collection: I do not know

Threatened arrest/jail if do not pay
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-08-07

Lewisville, TX

Managing the loan or lease

Consumer Loan: Installment loan

Complaint: I signed up for electronic statements but do not get them ... I do n't believe interest is being applied to my account correctly. I pay the loan using different bank accounts and sometimes the funds are pulled from the wrong account. My contract does not state how principal interest and fees are applied to my account.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-08-05

Haymarket, VA

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-08-02

Las Vegas, NV

Taking/threatening an illegal action

Debt collection: Other (i.e. phone, health club, etc.)

Threatened to sue on too old debt
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-08-02

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

Debt was paid
Complaint: XXXX & XXXX have been chasing me for three years, for a silly amount of money that I no longer owe. I paid them two years ago. Again this year they are after me.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-25

NC

Problems when you are unable to pay

Consumer Loan: Installment loan

Complaint: In XXXX, my husband lost his job and I had to file bankruptcy chapter XXXX. Within that first year, I voluntarily vacated the bankruptcy and made settlements with all my creditors. On XXXX/XXXX/XXXX I received a settlement letter from SST, signed by XXXX XXXX, stating if I paid {$1600.00} by XXXX/XXXX/XXXX, my accounts status would reflect Closed-Settled. Since then, neither XXXX, XXXX or XXXX reports, " Closed-Settled. '' I filed several disputes over the years and made numerous calls to correct this error. Just here recently, on XXXX/XXXX/XXXX, I spoke with SST 's operator XXXX and she stated, she was not changing the status and it was going to remain there for the next XXXX years. I called SST back on XXXX/XXXX/XXXX after I located my letter ; again I spoke with XXXX and she refused to even listen to or acknowledge my letter, until I offered to fax it to her. At that point she finally admitted to locating the letter in her system. After several more minutes of speaking with XXXX, I began to feel she was taking this issue personally and was n't going to be of any help. Finally, I asked to spoke with a supervisor and XXXX stated, I 'm not connecting you to my supervisor, but I 'll connect you to a supervisor ( unnecessary comment ). Within a few moments, XXXX came to the phone. At first, XXXX was upholding XXXX position until she read the letter for herself. She then informed me, she was going to have XXXX add notes to the account to reflect closed-settled. I informed XXXX, the letter does n't mention " notes '', and this was unacceptable. She read the letter again and agreed to have XXXX update the status of my account with all XXXX agencies by the end of the day. Well, today is XXXX/XXXX/XXXX and the status was updated with XXXX to reflect that I was in Chapter XXXX Bankruptcy-Dismissed, something I never filed. To add insult to injury, comments were posted, " Account paid in full or less than full balance ''. Moreover, my XXXX has n't been updated at all, it still reflects Charge-Off.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-22

Glendale, AZ

Improper contact or sharing of info

Debt collection: Credit card

Contacted me after I asked not to
Complaint: After transmitting a Certified, Return Receipt " Cease and Desist Contact '' letter to NCO Financial Systems , Inc. ( A debt collection agency - herein " NCO '' ) on XX/XX/XXXX, I was extremely surprised today, XX/XX/XXXX, nearly XXXX years after said letter was received by NCO, to have received a call from this same debt collector. The man asked to speak to me by my first and last name, asked to verify my year of birth, and then proceeded to identify himself as being from NCO Financial Systems, and that the purpose of the call was to collect a debt. After confirming that the man was in fact calling from NCO, I simply disconnected the call, and began filing this complaint.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-07-16

Kearns, UT

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-06

Palos Park, IL

Communication tactics

Debt collection: Other (i.e. phone, health club, etc.)

Frequent or repeated calls
Complaint: CALLING ALL FAMILY MEMBERS, WORK, CELL AND HOME IN VIOLATION OF TCPA.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-07-02

Phila, PA

Communication tactics

Debt collection: Credit card

Frequent or repeated calls
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-01

South Chatham, MA

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-28

N San Juan, CA

Improper contact or sharing of info

Debt collection: I do not know

Talked to a third party about my debt
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-28

Corinth, TX

Communication tactics

Debt collection: Credit card

Frequent or repeated calls
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-25

Coppell, TX

Communication tactics

Debt collection: Other (i.e. phone, health club, etc.)

Threatened to take legal action
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-20

City Of Sunrise, FL

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt resulted from identity theft
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-20

City Of Sunrise, FL

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

Debt resulted from identity theft
Company Response: Closed with explanation

Disputed: No Timely Response